Enjoying retirement | Your way

Making the most of your nest egg?

Decades of hard work - you’ve arrived at the ‘holiday of a lifetime’. A holiday from work, yes, but not from the need for savvy retirement planning. How you are spending your savings, managing capital and investments for income, and keeping a close eye on your expenses - your post-work life brings with it a new set of financial considerations and priorities. Here’s how we can help.

Securing financial confidence in retirement.

Financial confidence in retirement - as in other stages of life - can be dramatically improved by having real clarity about your financial circumstances, needs and capacity.

Expenses, lifestyle spending, returns on investments / KiwiSaver, income from assets like property - these and other factors may be part of your retirement nest egg and financial picture. The key is to be comfortable in your knowledge of the various facets of your financial life in retirement, and how they are working for your needs.

And of course, confidence and clarity starts with having a sound and detailed retirement plan in place. If we can help you, feel free to get in touch.


Money. Confidence. And Retirement.

As with all stages of life, the retirement years bring with them a fresh set of financial considerations and priorities. And in our experience, financial awareness and clarity can play an important role in being able to confidently enjoy post-work life and your hard-earned retirement nest egg. Watch for more.

Retirement planning and confidence for your post-work life

Like to have a clear view of your retirement finances? To build your financial confidence and live your post-work life, your way? A sound retirement plan and ongoing guidance is key. Here's how we can help.

Insurance Planning

What kind of cover do you need now that you are retired?

One stand-out is Health Insurance, which can be a particularly important form of cover in retirement, especially as the cost of health care continues to rise. It might also be time to take a good look at the other types of cover you have in place, to make sure your protection is appropriate to your needs and affordability.

At this stage of life, it's important to carefully review your options - to keep valuable cover (which may be difficult to replace) and where possible and without putting you at risk, trim expenses. And that's where quality insurance advice comes in. Time for a review?

KiwiSaver & Superannuation

There are some important decisions to make with regards to KiwiSaver and Superannuation for your retirement. For example, should you withdraw your KiwiSaver funds when eligible at 65? And if so, how will they be invested and structured to support your capital growth and income needs overtime?

There is no one-size-fits-all solution to these and other questions - it very much depends on your needs and broader financial picture. If you would like to assess your options, and talk through how your KiwiSaver and / or Superannuation can support your plans for retirement, we welcome you to get in touch.

Income Planning

Income in your retirement: There’s the NZ Super of course (currently $437 for individuals living alone and $672 for retired couples living together - see more below). But while we are fortunate to have this financial support in post-work life, there is likely to be a gap between what NZ Super provides and the income you require for your planned retirement.

When retired, it’s important to structure your income, and the investments / assets that support that income, to both meet your current needs and provide for your future needs. And once again, this is why it makes good sense to have a sound plan in place with ongoing guidance to make adjustments for your needs over time. How can we help? 

Time to review your needs and plans? We welcome you to get in touch. And in the meantime, here's some helpful food for thought...

Time to review your needs and plans? We welcome you to get in touch. And in the meantime, here's some helpful food for thought...

Whether you are just retired or have been enjoying your post-work life for some time, it's important to have confidence in your retirement finances. Read on for a few (not exhaustive) things to consider:

Making it last

While creating an income for retirement was the focus leading up to the day you said farewell to work, making your nest egg last throughout the years becomes a key focus in your post-work life. It’s a balance between providing the income you need now and safeguarding (and even growing where possible) your capital to continue to deliver income overtime. 

Planning for the big moments

Retirement - that time of life when many look to realise big plans, like travel and other adventures or endeavours. For big-ticket expenditure, it’s important to plan early and carefully consider how you can best budget for maximise enjoyment, as well as safeguarding your ongoing financial needs.

Prioritising your needs

Many parents make the decision to help their kids onto the property ladder or with other goals that need some financial assistance. While this is a wonderful thing to be able to do, it is vitally important that these acts of support and generosity don’t negatively impact your financial circumstances in retirement. These are sensitive and important decisions, and often can benefit from external guidance - so that everyone’s expectations are well understood and your needs are protected. 

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